Topera
ActiveSummary
The computed 12-month bankruptcy probability of Topera is 3.4% (moderate). The 2025 annual accounts show equity of €326k and a net result of €-2k. Equity is growing by ~41.8% per year across the filed fiscal years. Its solvency ranks better than 73% of 13305 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▲+18
Solvency82▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity short (current ratio 0.53 against 0.77 in 2024; short-term debt: 20.4% and cash: 0.5% of total assets), and 42.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-06-2026, 52 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
52 d early
2024
41 d early
2023
35 d early
2022
3 d early
2021
53 d late
2020
5 d early
2019
67 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€326k▼ 0.5%
2024 · €327k
2019: €69k
2020: €39k
2021: €42k
2022: €163k
2023: €329k
2024: €327k
2019 → 2025
Total assets
€570k▼ 9.2%
2024 · €628k
2019: €314k
2020: €340k
2021: €343k
2022: €508k
2023: €615k
2024: €628k
2019 → 2025
Net result
€-2k▼ 25.0%
2024 · €-1k
2019: €-31k
2020: €-30k
2021: €3k
2022: €121k
2023: €166k
2024: €-1k
2019 → 2025
Working capital
€-54k▼ 49.4%
2024 · €-36k
2019: €-28k
2020: €-69k
2021: €-71k
2022: €-53k
2023: €48k
2024: €-36k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€163k▲ 291%€329k▲ 102%€327k▼ 0.4%€326k▼ 0.5%
Operating result€6k-€139k▲ 2,180%€242k▲ 74.4%€5k▼ 98.1%€5k▲ 8.3%
Net result€3k-€121k▲ 4,056%€166k▲ 36.8%€-1k€-2k▼ 25.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 8% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €570k
Fixed assets
€508k ▲ 0.2%
Current assets
€62k ▼ 48.6%
Equity and liabilities €570k
Equity
€326k ▼ 0.5%
Debt
€244k ▼ 18.7%
Debt's share of the balance-sheet total falls from 47.8% to 42.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€27k▲
2024 · €17k
Cash flow
€20k▲
2024 · €11k
Current ratio
0.53▼
2024 · 0.77
Debt to equity
0.75▼
2024 · 0.92
ROE
-0.5%▼
2024 · -0.4%
ROA
-0.3%▼
2024 · -0.2%
Interest coverage
4.06▲
2024 · 1.89
Debt ≤ 1 year
€116k▼
2024 · €157k
Debt > 1 year
€128k▼
2024 · €144k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€628k€570k▼
Fixed assets21/28€507k€508k▲
Tangible fixed assets22/27€507k€508k▲
Land and buildings22€279k€283k▲
Plant, machinery and equipment23€25k€26k▲
Furniture and vehicles24€14k€11k▼
Assets under construction and advance payments27€190k€188k▼
Current assets29/58€121k€62k▼
Amounts receivable within one year40/41€89k€59k▼
Trade receivables40€3k€44k▲
Other amounts receivable41€87k€15k▼
Cash at bank and in hand54/58€12k€3k▼
Deferred charges and accrued income490/1€20k-
Equity and liabilities
Total equity and liabilities10/49€628k€570k▼
Equity10/15€327k€326k▼
Contributions10/11€100k€100k=
Profit (loss) carried forward14€227k€226k▼
Amounts payable17/49€300k€244k▼
Amounts payable after more than one year17€144k€128k▼
Financial debts170/4€144k€128k▼
Amounts payable within one year42/48€157k€116k▼
Current portion of amounts payable after more than one year42€15k€15k=
Trade debts44€4k€10k▲
Suppliers440/4€4k€10k▲
Taxes, remuneration and social security45€33k€9k▼
Taxes450/3€33k€9k▼
Other amounts payable47/48€105k€82k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€22k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€21k€31k▲
Operating profit (loss)9901€5k€5k▲
Financial income75/76B€4k-
Recurring financial income75€4k-
Financial charges65/66B€9k€7k▼
Recurring financial charges65€9k€7k▼
Profit (loss) for the period before taxes9903€-1k€-2k▼
Income taxes67/77€264-
Profit (loss) for the period9904€-1k€-2k▼
Profit (loss) for the period to be appropriated9905€-1k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€227k€226k▼
Profit (loss) brought forward from the previous period14P€229k€227k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €166k ▲36.8%
Operating result €242k, net result €166k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.38
Current ratio from 0.69 to 1.38; short-term debt falls from €171k to €128k.
31-12
Financial
Equity above €200kEq €329k ▲102%
3 profitable years in a row build equity to €329k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €163k ▲291%
2 profitable years in a row build equity to €163k.
22-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 53 days late
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 67 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Mol · 1 establishment unit since 2019
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Owenslei 62400 MolGround area
3,867 m²
Building footprint
807 m²
Volume, LiDAR
8,126 m³
Parcel 13025G0680/00M017, Flanders · tallest building 18.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Owenslei 6, 2400 Mol
since 20192.291.239.869
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13025G0680/00M017 | Flanders | 3,867 m² | 1 · 807 m² | 18.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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BHIMSEN
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Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 7,456 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-04-2019
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
55100Hotels and similar accommodation
68203Renting and operating of own or leased non-residential real estate, excluding land
77399Renting and leasing of other machinery, equipment and tangible goods
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.